Property fee payment and management system based on block chain

Abstract

The invention relates to the technical field of property fee management, and particularly discloses a property fee payment and management system based on a block chain, and the system comprises a heterogeneous multi-chain cooperation layer which is used for achieving hierarchical data management and policy compliance through encryption algorithm driving; the smart contract execution layer is used for driving business logic automation through a smart contract based on a block chain; the cross-chain interaction terminal layer is used for realizing data interaction of a multi-terminal service program by adopting a biological feature fusion algorithm and a quantum security protocol; efficient cooperation of a supervision chain, a transaction chain and a privacy chain is achieved through the heterogeneous multi-chain cooperation layer, data governance and compliance are ensured, and meanwhile the efficiency and reliability of the system are improved through the optimized consensus mechanism and the fragment storage technology; intelligent contracts such as a dynamic charging contract, a multi-signature account division contract and a credit derivation contract are introduced, expense settlement, fund account division and credit scoring are automatically processed, and the flexibility and accuracy of charging rules are improved.

Description

Technical Field

[0001] The present invention belongs to the technical field of property management fee management, and particularly relates to a property management fee payment and management system based on blockchain. Background Art

[0002] With the continuous development of information technology and blockchain technology, the property management system based on blockchain has gradually become a part of modern intelligent city management. The property management system based on blockchain can not only ensure the real-time and secure payment of property management fees, but also realize the automatic execution of smart contracts, improve the efficiency of property management, and reduce management costs.

[0003] However, the existing property management systems based on blockchain have significant deficiencies in dealing with multi-chain collaboration and automated management, especially the insufficient ability of smart contract automated execution. Smart contracts have an automated execution function in property management, but in dealing with complex business scenarios, there are still many limitations in existing smart contracts. The fee settlement in traditional property management processes usually relies on manual intervention, which is not only inefficient but also prone to errors. Although blockchain technology introduces smart contracts to automate certain processes, in dynamic billing, profit sharing, and handling abnormal situations, existing smart contracts lack sufficient flexibility and automation capabilities. For example, the settlement of property management fees involves multiple links, including property management fees, maintenance fees, public facility usage fees, etc., and the fee calculation standards change with time and different services. Existing smart contracts often have difficulty handling these complex dynamic changes, resulting in the still need for manual intervention.

[0004] Therefore, it is necessary to propose a property management fee payment and management system based on blockchain to solve the problem of insufficient automated execution ability of smart contracts in the existing property management systems.

[0005] The above information disclosed in this background art is only used to increase the understanding of the background art of the present invention. Therefore, it may include prior art that is not known to those of ordinary skill in the art. Summary of the Invention

[0006] The purpose of the present invention is to provide a property management fee payment and management system based on blockchain to solve the problems raised in the above background art.

[0007] To achieve the above purpose, the present invention provides the following technical solutions: A property management fee payment and management system based on blockchain, comprising: A heterogeneous multi-chain collaboration layer for realizing hierarchical data governance and policy compliance through the drive of encryption algorithms; A smart contract execution layer for driving the automation of business logic through blockchain-based smart contracts; The cross-chain interaction terminal layer is used to implement data interaction of multi-terminal service programs by adopting a biometric fusion algorithm and a quantum security protocol; The security and extension layer is used to achieve the full-stack secure operation of the system through multiple security guarantee methods.

[0008] Preferably, the heterogeneous multi-chain collaboration layer includes three sub-chains: a supervision chain, a transaction chain, and a privacy chain; The supervision chain is deployed on the national government affairs cloud platform, and the national secret SM9 algorithm is used to encrypt and verify the identities of the supervision chain nodes, and node access control is realized by combining two-factor authentication; The transaction chain is built based on property alliance nodes, adopts an improved HotStuff consensus mechanism, introduces pipeline block generation and parallel transaction verification technologies, and compresses the transaction confirmation time to the microsecond level; The privacy chain is built by integrating a fully homomorphic encryption engine, which is used to perform ciphertext processing on sensitive data during the calculation of property fees, and interacts with the transaction chain through a zero-knowledge proof channel to generate a transaction validity proof.

[0009] Preferably, the supervision chain also generates a random consensus seed through a verifiable random function, and combines dynamic sharding storage technology to divide property data according to administrative region codes, optimizing the data storage and retrieval efficiency of the supervision chain; Verifiable random function formula: ; In the formula, is the key, is the input message, is the generated random consensus seed; Dynamic sharding storage formula: ; In the formula, is the sharded data, is the administrative region code, is used to convert the input administrative region code into an output of a fixed size; The transaction chain also adopts Schnorr aggregate signature technology to compress multiple transaction signatures into a single signature, reducing the storage space by 90%; The privacy chain also uses a secure multi-party computation protocol to achieve the task of multi-party fee calculation in the ciphertext state.

[0010] Preferably, the smart contract execution layer deploys three types of contracts: a dynamic charging contract, a multi-signature profit sharing contract, and a credit derivative contract; The dynamic charging contract obtains real-time water / electricity / gas prices and garbage disposal fee data by connecting to the API interface of the municipal big data platform, and uses the isolation forest algorithm to detect and filter outliers; Isolation Forest Algorithm Formula: ; In the formula, is the number of trees, is the data point to be evaluated, is the point in the data set, is the distance metric; The multi-signature revenue sharing contract presets the revenue sharing ratio rule, and integrates an intelligent audit sub-module to compare the revenue sharing ratio with the consistency of the policy document, and triggers the regulatory warning mechanism when there is an error; The credit derivative contract constructs a two-way scoring mechanism for the property and the owner based on the evolutionary game model, and generates a verifiable digital certificate compatible with the central bank's credit investigation system.

[0011] Preferably, the dynamic charging contract also parses the JSON-LD format policy document through the built-in policy perception module, extracts the charging rules and generates the on-chain charging logic code; The multi-signature revenue sharing contract also uses zero-knowledge range proof to hide the revenue sharing ratio while proving the numerical validity, and integrates an automatic rebalancing algorithm to dynamically adjust the revenue sharing ratio according to the balance of the maintenance fund; Zero-knowledge range proof formula: ; In the formula, is the hidden range proof, is the proof to verify the numerical validity; The credit derivative contract also realizes the mutual evaluation between the property and the owner through the on-chain game mechanism, and uses the Vickreuy auction model to prevent strategic scoring manipulation; On-chain game mechanism formula: ; In the formula, is the score of individual at time , is the update rate, is the income of individual , is the cooperation cost between individual and individual , is the total income of individual .

[0012] Preferably, the cross-chain interaction terminal layer includes three application programs: the owner-side service program, the property-side service program, and the municipal-side service program; The owner-side service program realizes identity authentication through the multi-modal biometric fusion algorithm, and optimizes the security of the transaction key in combination with the quantum random number generator; Quantum random number generator formula: ; In the formula, is the generated random number, is the quantum random number generator, is the quantum state; The property-side service program connects to the GPT-4 architecture AI reminder robot, optimizes the reminder speech of the robot using reinforcement learning, and deploys an edge AI computing box to implement biometric local preprocessing and offline authentication; Reinforcement learning formula: ; In the formula, is the Q value of the current state and action , is the immediate reward, is the discount factor, is the next state, is the next action; The municipal-side service program realizes the penetration supervision of on-chain data and the vulnerability detection of on-chain smart contracts through a regulatory sandbox integrating formal verification tools.

[0013] Preferably, the security and expansion layer includes a quantum-resistant encryption mechanism and a cross-chain protocol; The quantum-resistant security mechanism uses a Lattice-based distributed key generation algorithm, combined with the BB84 protocol + post-processing algorithm, to achieve randomness and security of key generation; The quantum-resistant security mechanism uses the SIKE supersingular elliptic curve algorithm to achieve post-quantum key exchange; The quantum-resistant security mechanism designs a quantum key distribution network coding algorithm to achieve multi-path key transmission anti-eavesdropping; Quantum key distribution network coding algorithm formula: ; In the formula, is the key of the th path, is the weight, is the key of the th path; The cross-chain protocol realizes the interaction between the regulatory chain and the transaction chain through the threshold relay protocol, and uses a composable security framework to ensure the atomicity of cross-chain transactions; The cross-chain protocol uses zero-knowledge proofs of the Bulletproofs+ algorithm to compress the valid proof of the transaction to within 1 kB, optimizing the cross-chain interaction efficiency.

[0014] Preferably, the security and expansion layer also constructs a quantum disaster recovery subsystem through a surface code error correction algorithm; The quantum disaster recovery subsystem predicts network load and optimizes resource allocation through a reinforcement learning algorithm; The quantum disaster recovery subsystem uses an automatic load balancing algorithm to dynamically expand the edge computing nodes; The quantum disaster recovery subsystem regularly encodes critical data into a quantum entanglement state storage medium.

[0015] Preferably, the system further includes: Applying a three-chain collaborative algorithm to use the output of the regulatory chain VRF as the seed of the transaction chain, and triggering a cross-chain transaction in combination with the secure multi-party calculation result of the privacy chain to achieve three-chain status synchronization; Using a contract evolution algorithm to obtain new data from the municipal big data platform every 24 hours for the dynamic charging contract, and at the same time, the multi-signature profit sharing contract adjusts the threshold according to the on-chain fund flow.

[0016] Compared with the prior art, the beneficial effects of the present invention are as follows: The present invention realizes the efficient cooperation of the regulatory chain, transaction chain and privacy chain through the heterogeneous multi-chain collaboration layer, ensuring data governance and compliance. At the same time, the optimized consensus mechanism and sharding storage technology improve the system efficiency and reliability; introducing intelligent contracts such as dynamic charging contracts, multi-signature profit sharing contracts and credit derivative contracts to automatically process fee settlement, fund sharing and credit scoring, reducing manual intervention and improving the flexibility and accuracy of charging rules, especially outstanding in dealing with complex profit sharing processes and dynamic charging standards. In addition, the cross-chain interaction terminal layer uses multi-modal biometric fusion and quantum random number generation technology to ensure high security of transactions and accurate identity verification, and the security and expansion layer guarantees the long-term security and scalability of the system through the integration of anti-quantum encryption mechanisms, cross-chain protocols and quantum disaster recovery subsystems. BRIEF DESCRIPTION OF THE DRAWINGS

[0017] Figure 1 It is a framework diagram of a property fee payment and management system based on the blockchain of the present invention. DETAILED DESCRIPTION OF THE EMBODIMENTS

[0018] Next, the technical solutions in the embodiments of the present invention will be clearly and completely described in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only a part of the embodiments of the present invention, rather than all of the embodiments. All other embodiments obtained by those of ordinary skill in the art based on the embodiments of the present invention without creative efforts shall fall within the protection scope of the present invention.

[0019] Embodiment 1:

[0020] Please refer toFigure 1 As shown in the figure, a property management fee payment and management system based on blockchain includes: A heterogeneous multi-chain collaboration layer for realizing hierarchical data governance and policy compliance through the drive of encryption algorithms; The heterogeneous multi-chain collaboration layer includes three sub-chains: a supervision chain, a transaction chain, and a privacy chain; The supervision chain is deployed on the national government affairs cloud platform, and the national secret SM9 algorithm is used to encrypt and verify the identities of the supervision chain nodes, and node access control is realized by combining two-factor authentication; The transaction chain is built based on property alliance nodes, and an improved HotStuff consensus mechanism is adopted. The pipeline block generation and parallel transaction verification technologies are introduced to compress the transaction confirmation time to the microsecond level; The privacy chain is built by integrating a fully homomorphic encryption engine, which is used to perform ciphertext processing on sensitive data in the process of property fee calculation, and interacts with the transaction chain through a zero-knowledge proof channel to generate a transaction validity proof.

[0021] Furthermore, by combining the supervision chain, the transaction chain, and the privacy chain, the heterogeneous multi-chain collaboration layer realizes efficient hierarchical data governance and policy compliance through encryption algorithms. The supervision chain ensures the identity authentication and access control of supervision nodes, guaranteeing compliance and security; the transaction chain greatly improves the transaction confirmation speed, reaching microsecond-level response; the privacy chain ensures the privacy protection of sensitive data and can interact efficiently with the transaction chain. The overall architecture improves the security, privacy protection, and transaction efficiency of the system, meeting the requirements of efficient, secure, and compliant data management.

[0022] The heterogeneous multi-chain collaboration layer also enables the supervision chain to generate a random consensus seed through a verifiable random function, and combines dynamic sharding storage technology to divide property data according to administrative region codes, optimizing the data storage and retrieval efficiency of the supervision chain; The transaction chain adopts Schnorr aggregate signature technology to compress multiple transaction signatures into a single signature, reducing the storage space by 90%; The privacy chain uses a secure multi-party computing protocol to complete the multi-party fee calculation task in the ciphertext state.

[0023] Furthermore, the heterogeneous multi-chain collaboration layer improves the efficiency of data storage, transaction signature, and fee calculation through innovative technologies. The supervision chain optimizes data storage and retrieval, improving the efficiency of management according to administrative region codes; the transaction chain greatly reduces the storage space requirements, improving the storage and processing efficiency; the privacy chain completes multi-party fee calculation in the ciphertext state, ensuring data privacy while improving the calculation efficiency. The overall architecture significantly improves the data management, storage, and calculation efficiency on the premise of ensuring security.

[0024] An intelligent contract execution layer for automating business logic through blockchain-based intelligent contracts; The intelligent contract execution layer deploys three types of contracts: a dynamic billing contract, a multi-signature profit sharing contract, and a credit derivative contract. The dynamic billing contract obtains real-time water / electricity / gas prices and waste treatment fee data by connecting to the API interface of the municipal big data platform, and uses the Isolation Forest algorithm to detect and filter outliers. The multi-signature profit sharing contract presets the profit sharing ratio rules, integrates an intelligent audit sub-module to compare the profit sharing ratio with the policy documents for consistency, and triggers a regulatory warning mechanism when errors occur. The credit derivative contract constructs a two-way scoring mechanism for the property and the owners based on the evolutionary game model, and generates a verifiable digital certificate compatible with the central bank's credit investigation system.

[0025] Furthermore, the intelligent contract execution layer improves the efficiency and transparency of the system through automated business logic. The dynamic billing contract ensures real-time and accurate water / electricity / gas fee data and effectively filters outliers; the multi-signature profit sharing contract ensures the consistency of the profit sharing ratio with the policy and triggers regulatory warnings when deviations are found, improving compliance and regulatory capabilities; the credit derivative contract establishes a two-way scoring mechanism for the property and the owners, generates a verifiable digital certificate compatible with the central bank's credit investigation system, and enhances the credibility of the credit system. Overall, it improves the automation of data processing, compliance, and the transparency of credit management.

[0026] The dynamic billing contract in the intelligent contract execution layer also parses the JSON-LD format policy document through a built-in policy awareness module, extracts the billing rules, and generates on-chain billing logic code; The multi-signature profit sharing contract uses zero-knowledge range proof to hide the profit sharing ratio while proving the numerical validity, and integrates an automatic rebalancing algorithm to dynamically adjust the profit sharing ratio according to the balance of the maintenance fund The credit derivative contract realizes the mutual evaluation between the property and the owners through an on-chain game mechanism, and uses the Vickreuy auction model to prevent strategic scoring manipulation.

[0027] Furthermore, the intelligent contract execution layer improves the intelligence level of the system by enhancing automation, privacy protection, and policy optimization. The dynamic billing contract parses the policy document and automatically generates on-chain billing logic, ensuring the accuracy and flexibility of the billing rules; the multi-signature profit sharing contract protects the profit sharing ratio and dynamically adjusts the profit sharing ratio through the automatic rebalancing algorithm, ensuring the fairness and flexibility of fund management; the credit derivative contract prevents scoring manipulation and improves the fairness and credibility of the mutual evaluation between the property and the owners. Overall, the system realizes more intelligent and efficient business management while ensuring privacy, security, and compliance.

[0028] The cross-chain interaction terminal layer is used to implement data interaction of multi-terminal service programs by using a biometric fusion algorithm and a quantum security protocol; The cross-chain interaction terminal layer includes three types of terminal devices: the property owner terminal service program, the property management terminal service program, and the municipal terminal service program. The property owner terminal service program realizes identity authentication through a multi-modal biometric fusion algorithm, and combines a quantum random number generator to optimize the security of transaction keys. The property management terminal service program connects to the GPT-4 architecture AI reminder robot, and uses reinforcement learning to optimize the reminder script of the robot. At the same time, an edge AI computing box is deployed to achieve local biometric preprocessing and offline authentication. The municipal terminal service program realizes the penetrative supervision of on-chain data and the vulnerability detection of on-chain smart contracts through a regulatory sandbox integrating formal verification tools.

[0029] Furthermore, the cross-chain interaction terminal layer improves the security and efficiency of data interaction through innovative biometric fusion algorithms and quantum security protocols. The property owner terminal uses multi-modal biometrics for identity authentication and optimizes key security through quantum random numbers, enhancing the protection of transactions; the property management terminal optimizes the reminder script through the GPT-4 architecture AI reminder robot and reinforcement learning, and at the same time combines the edge AI computing box for local biometric preprocessing and offline authentication, improving the reminder efficiency and security; the municipal terminal ensures the transparent supervision of on-chain data and the vulnerability detection of smart contracts by integrating the regulatory sandbox and formal verification tools. Overall, it improves the security, intelligence level, and supervision ability of cross-chain interaction.

[0030] The security and expansion layer is used to achieve the full-stack secure operation of the system through multiple security guarantee methods.

[0031] The security and expansion layer includes a quantum-resistant encryption mechanism and a cross-chain protocol; The quantum-resistant security mechanism adopts the Lattice-based distributed key generation algorithm, combined with the BB84 protocol + post-processing algorithm, to achieve the randomness and security of key generation; The quantum-resistant security mechanism adopts the SIKE supersingular elliptic curve algorithm to achieve post-quantum key exchange; The quantum-resistant security mechanism designs a quantum key distribution network coding algorithm to achieve multi-path key transmission anti-eavesdropping; The cross-chain protocol realizes the interaction between the regulatory chain and the transaction chain through the threshold relay protocol, and adopts a composable security framework to ensure the atomicity of cross-chain transactions; The cross-chain protocol adopts the zero-knowledge proof of the Bulletproofs+ algorithm to compress the valid proof of the transaction to within 1 kB, optimizing the cross-chain interaction efficiency.

[0032] Furthermore, the security and expansion layer ensures the full-stack security and scalability of the system through multiple security mechanisms. The quantum-resistant encryption mechanism enhances the security of key generation by leveraging lattice-based distributed key generation, the BB84 protocol, and post-processing algorithms, and realizes post-quantum key exchange through the SIKE supersingular elliptic curve algorithm to protect the system from quantum computing threats; the quantum key distribution network coding algorithm enhances the anti-eavesdropping ability of key transmission.

[0033] The cross-chain protocol realizes the secure interaction between the regulatory chain and the transaction chain through the threshold relay protocol and ensures the atomicity of cross-chain transactions by adopting a composable security framework; meanwhile, the Bulletproofs+ algorithm optimizes the efficiency of cross-chain interaction, compresses the transaction proof to within 1 kB, and improves the performance and security of the overall system.

[0034] The security and expansion layer also constructs a quantum disaster recovery subsystem through the surface code error correction algorithm; The quantum disaster recovery subsystem predicts network load and optimizes resource allocation through reinforcement learning algorithms; The quantum disaster recovery subsystem uses an automatic load balancing algorithm for dynamic expansion of edge computing nodes; The quantum disaster recovery subsystem periodically encodes critical data into a quantum entangled state storage medium.

[0035] Apply the three-chain collaborative algorithm to use the VRF output of the regulatory chain as the seed of the transaction chain, and trigger cross-chain transactions in combination with the secure multi-party computing results of the privacy chain to achieve the state synchronization of the three chains; Through the contract evolution algorithm, new data is obtained from the municipal big data platform every 24 hours for the dynamic charging contract, and at the same time, the multi-signature profit-sharing contract adjusts the threshold according to the on-chain capital flow.

[0036] Furthermore, the security and expansion layer provides efficient disaster recovery and resource optimization through the quantum disaster recovery subsystem. Periodically encoding critical data into a quantum entangled state storage medium enhances data security. The three-chain collaborative algorithm realizes the coordination of the regulatory chain, the transaction chain, and the privacy chain to ensure the security and synchronization of cross-chain transactions. At the same time, the contract evolution algorithm and the multi-signature profit-sharing contract enhance the flexibility and adaptability of the system through dynamic data updates and capital flow adjustments, ensuring the accurate execution of contracts and financial transparency.

[0037] Example 2:

[0038] Application example: Dynamic management of property fees and credit mutual evaluation in a smart community A newly built large community (with 2,000 households) faces the following problems: (1) For the energy cost accounting, it is necessary to manually summarize the data of 5 types of meters, and the monthly accounting error exceeds 30,000 yuan; (2) The account splitting of the elevator maintenance fund requires manual confirmation by the property management company, the owners' committee, and the maintenance company, and the process takes 5 to 10 working days. (3) 7% of the owners have the situation of misusing access control cards. (4) There is a lack of quantitative evaluation criteria for the property service level.

[0039] Technical implementation process: (1) Phase 1: Tri-chain collaborative data governance 1. Regulatory chain data anchoring The node of the Housing and Urban-Rural Development Bureau automatically verifies the property management qualification certificate (encrypted by the SM9 algorithm) and stores the community GIS data in slices according to administrative regions. At 2 am every day, a random consensus seed is generated through VRF to trigger the consistency check of the whole-chain data.

[0040] 2. Transaction chain real-time clearing After being encrypted by the privacy chain, the smart water meter data is pushed to the transaction chain through the zero-knowledge proof channel. The improved HotStuff consensus mechanism can complete the calculation of the public share expenses of 2,000 households within 0.3 seconds.

[0041] 3. Privacy chain ciphertext processing The vehicle license plate recognition data of the owners completes the statistics of the parking space usage frequency in the fully homomorphic encryption state. Generate a verifiable account splitting proof for the transaction chain to call.

[0042] (2) Phase 2: Smart contract automation 1. Dynamic charging contract Real-time connection to the municipal platform to obtain the ladder electricity price data (such as off-peak electricity: 0.35 yuan / kWh → peak electricity: 0.65 yuan / kWh). The isolation forest algorithm automatically filters abnormal readings (such as a 500% sudden increase in the daily electricity consumption of a certain household).

[0043] 2. Multi-signature account splitting contract 40% of the elevator maintenance cost is automatically transferred to the maintenance company's account, and 60% is retained in the maintenance fund pool. The intelligent audit module compares the "Measures for the Administration of Special Maintenance Funds for Residential Buildings" and freezes the capital flow if the account splitting error exceeds 0.5%.

[0044] 3. Credit derivative contract The owner rates the property service by star through the terminal (in dimensions such as response speed / processing quality, etc.). The property management company conducts a credit rating on the owner according to the timeliness of payment and generates a digital certificate that can be recognized by the central bank.

[0045] (3) Phase 3: Quantum-safe interaction 1. Owner-side service program The access control at the entrance integrates face / voiceprint / palm vein features, and the quantum random number refreshes the verification key every 60 seconds; The authenticity of the fee list issued by the property is verified in real time through the regulatory sandbox.

[0046] 2. Property-side service program The GPT-4 reminder assistant automatically analyzes the historical payment records of the property owners and generates personalized reminder messages; The edge computing box can still complete biometric verification and issue offline certificates in a network-disconnected environment.

[0047] 3. Municipal-side service program The penetrative supervision module tracks the flow of the maintenance fund in real time and marks abnormal transfer behaviors; The formal verification tool automatically scans the smart contract vulnerabilities every month.

[0048] (4)Phase Four: Disaster Recovery and Expansion 1. Quantum-resistant security The key distribution adopts multi-path transmission (community optical cable + 5G private network), and the interception of a single path does not affect the overall security; The encryption key of the entire system is rotated quarterly through the supersingular elliptic curve algorithm.

[0049] 2. Quantum disaster recovery The core data is encoded as a quantum entanglement state and stored in three disaster recovery centers; The reinforcement learning model predicts the high-concurrency transaction volume during holidays based on historical loads and expands the edge nodes in advance.

[0050] Comparison of implementation effects:

[0051] This system realizes triple guarantees of regulatory compliance, transaction efficiency, and data privacy through the multi-chain architecture of the blockchain, and constructs a future-oriented property management infrastructure in combination with quantum security technology.

[0052] Example 3:

[0053] The embodiment of the present invention also provides a computer-readable storage medium, on which a program of a blockchain-based property fee payment and management system as described in any one of the above is stored. When the program is executed by a processor, it realizes each process of the above payment and management system embodiment and can achieve the same technical effects. To avoid repetition, it will not be elaborated here. Among them, the computer-readable storage medium is, for example, a read-only memory (ROM for short), a random access memory (RAM for short), a magnetic disk, or an optical disc, etc.

[0054] In the description of this specification, the descriptions referring to terms such as "one embodiment", "some embodiments", "examples", "specific examples", or "some examples", etc., mean that the specific features, structures, materials, or characteristics described in connection with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representations of the above terms do not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials, or characteristics described can be combined in a suitable manner in any one or more embodiments or examples. In addition, without contradiction, those skilled in the art can combine and combine the different embodiments or examples described in this specification and the features of different embodiments or examples.

[0055] In the drawings of the disclosed embodiments of the present invention, only the structures related to the disclosed embodiments of the present invention are involved. Other structures can refer to the general design. Without conflict, the same embodiment and different embodiments of the present invention can be combined with each other.

[0056] The flowcharts shown in the drawings are only illustrative examples, and do not necessarily include all the contents and operations / steps, nor do they necessarily need to be executed in the described order. For example, some operations / steps can also be decomposed, combined, or partially merged. Therefore, the actual execution order may be changed according to the actual situation.

[0057] Although the embodiments of the present invention have been shown and described, for those of ordinary skill in the art, it can be understood that various changes, modifications, substitutions, and variations can be made to these embodiments without departing from the principles and spirit of the present invention. The scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. A property fee payment and management system based on blockchain, characterized in that: include: Heterogeneous multi-chain collaboration layer, used to achieve hierarchical data governance and policy compliance driven by encryption algorithms; Smart contract execution layer, used to drive business logic automation through blockchain-based smart contracts; The cross-chain interactive terminal layer is used to implement data interaction between multi-terminal service programs using biometric fusion algorithms and quantum security protocols; The security and expansion layer is used to achieve full-stack secure operation of the system through multiple security assurance methods.

2. According to the blockchain-based property fee payment and management system of claim 1, it is characterized by: The heterogeneous multi-chain collaboration layer includes three sub-chains: the supervision chain, the transaction chain, and the privacy chain; The supervision chain is deployed on the national government cloud platform, and the national secret SM9 algorithm is used to encrypt and verify the identity of the supervision chain node, and the node access control is realized in combination with two-factor authentication; The transaction chain is built on the property alliance node, adopts the improved HotStuff consensus mechanism, introduces pipeline block generation and parallel transaction verification technology, and compresses the transaction confirmation time to microseconds; The privacy chain is built by integrating a fully homomorphic encryption engine, which is used to encrypt sensitive data in the property fee calculation process, and interact with the transaction chain through a zero-knowledge proof channel to generate a valid proof of the transaction.

3. According to the blockchain-based property fee payment and management system of claim 2, it is characterized by: The chain of custody is also used to: Generate a random consensus seed through a verifiable random function, combine it with dynamic sharding storage technology, divide the property data by administrative area code, and optimize the efficiency of data storage and retrieval of the custody chain; Verifiable random function formula: ； In the formula, is the key, To input a message, A random consensus seed is generated; Dynamic shard storage formula: ； In the formula, For shard data, is the administrative region code, Used to convert the input administrative area code into a fixed-size output; The transaction chain is also used to: Using Schnorr aggregate signature technology, multiple transaction signatures are compressed into a single signature, reducing storage space by 90%; The privacy chain is also used to: The secure multi-party computing protocol is used to complete the multi-party fee calculation task in a encrypted state.

4. A property fee payment and management system based on blockchain according to claim 3, characterized in that: The smart contract execution layer deploys three types of contracts: dynamic billing contract, multi-signature account splitting contract, and credit derivative contract; The dynamic billing contract obtains water, electricity / gas prices and garbage disposal fee data in real time by connecting to the API interface of the municipal big data platform, and uses the isolation forest algorithm to detect and filter outliers; Isolation forest algorithm formula: ； In the formula, is the number of trees, is the data point to be evaluated, is the point of the data set, is the distance metric; The multi-signature split-account contract presets split-account ratio rules, integrates an intelligent audit submodule to compare the split-account ratio with the policy document consistency, and triggers a regulatory alarm mechanism when an error occurs; The credit derivative contract constructs a two-way scoring mechanism for properties and owners based on an evolutionary game model, and generates verifiable digital certificates that are compatible with the central bank's credit reporting system.

5. According to the blockchain-based property fee payment and management system of claim 4, it is characterized by: The dynamic billing contract is also used to: Parse JSON-LD format policy files through the built-in policy-aware module, extract billing rules and generate on-chain billing logic code; The multi-signature split-account contract is also used to: Zero-knowledge range proof is used to hide the split ratio while proving the numerical validity, and an automatic rebalancing algorithm is integrated to dynamically adjust the split ratio according to the maintenance fund balance; Zero-knowledge range proof formula: ； In the formula, For hidden range proof, To verify the proof of numerical validity; The credit derivative contracts are also used to: The on-chain game mechanism enables mutual evaluation between properties and owners, and the Vickreuy auction model is used to prevent strategic rating manipulation; On-chain game mechanism formula: ； In the formula, For individuals In time Ratings, is the update rate, For individuals of income, For individuals With individuals The cost of cooperation between For individuals of total revenue.

6. A property fee payment and management system based on blockchain according to claim 5, characterized in that: The cross-chain interactive terminal layer includes three application programs: owner-side service program, property-side service program, and municipal-side service program; The owner-side service program implements identity authentication through a multimodal biometric fusion algorithm and optimizes the security of transaction keys in combination with a quantum random number generator; Quantum random number generator formula: ； In the formula, is the generated random number, is a quantum random number generator, is a quantum state; The property service program is connected to the GPT-4 architecture AI collection robot, and uses reinforcement learning to optimize the robot's collection speech. At the same time, an edge AI computing box is deployed to realize local preprocessing of biometric features and offline authentication; Reinforcement learning formula: ； In the formula, For the current state and actions The Q value, For instant rewards, is the discount factor, For the next state, For the next action; The municipal service program achieves penetrating supervision of on-chain data and vulnerability detection of on-chain smart contracts through a regulatory sandbox that integrates formal verification tools.

7. A property fee payment and management system based on blockchain according to claim 6, characterized in that: The security and extension layer includes quantum-resistant encryption mechanisms and cross-chain protocols; The quantum-resistant security mechanism adopts the Lattice-based distributed key generation algorithm, combined with the BB84 protocol + post-processing algorithm, to achieve randomness and security of key generation; The quantum-resistant security mechanism uses the SIKE supersingular elliptic curve algorithm to achieve post-quantum key exchange; The quantum security mechanism designs a quantum key distribution network coding algorithm to achieve multi-path key transmission anti-eavesdropping; Quantum key distribution network coding algorithm formula: ； In the formula, For the The key of the path, is the weight, For the The key of the path; The cross-chain protocol implements the interaction between the supervision chain and the transaction chain through the threshold relay protocol, and adopts a composable security framework to ensure the atomicity of cross-chain transactions; The cross-chain protocol adopts the zero-knowledge proof of the Bulletproofs+ algorithm to compress the effective proof of transactions to less than 1kB and optimize the efficiency of cross-chain interactions.

8. A property fee payment and management system based on blockchain according to claim 7, characterized in that: The security and extension layer also constructs a quantum disaster recovery subsystem through a surface code error correction algorithm; The quantum disaster recovery subsystem predicts network load and optimizes resource allocation through a reinforcement learning algorithm; The quantum disaster recovery subsystem uses an automatic load balancing algorithm to dynamically expand the edge computing nodes; The quantum disaster recovery subsystem periodically encodes key data into a quantum entangled state storage medium.

9. According to the blockchain-based property fee payment and management system of claim 8, it is characterized in that: The system further comprises: Apply the three-chain collaborative algorithm to use the VRF output of the custody chain as the seed of the transaction chain, and combine the secure multi-party computing results of the privacy chain to trigger cross-chain transactions to achieve three-chain state synchronization; The contract evolution algorithm is used to obtain new data from the municipal big data platform every 24 hours for the dynamic billing contract. At the same time, the multi-signature account splitting contract adjusts the threshold according to the on-chain capital flow.

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